I went to Penang for two days, 15th to 16th October for fixed asset disposal audit. It was my first time went for a business trip sepanjang keje in this company (cess..bunyi cam da lama keje je =p). Kalo ikot first schedule, members yg join sepatutnya two gals n two guys. But then schedule drevised. I was the only gal, ditemani 3 org jejaka. Jejaka?? Err..not really! xsesuai! We went for the audit activity at two vendors-cem and nissei which located at Prai. Kitorg nginap d Cititel Hotel, btol2 kt penang town. Actually I have nothing much to share here, maklumla stakat g buat keje je. Dah nama pun business trip kan. Bukannya holiday trip. Lagipun g penang je, dah slalu g. almaklumlah, my hometown pun kt utara gak. So xdela rasa excited sgt. But somehow, it was a good experience for me.

November 08, 2009

Apart from the bride's smile, the sweetest thing about weddings is definitely the wedding cake. The highlight of the reception is usually the cutting of the cake which takes place just before dessert is served.

Cakes come in all shapes and colours. So it is always best to do a bit of research before hunting for the best deals. Most important of all, we need to inform our cake designer of our wedding theme. These are some designs which attracted my two cutie eyes. s.w.e.e.t - s.i.m.p.l.e - c.r.e.a.m.y - d.e.l.i.c.i.o.u.s - e.l.e.g.a.n.c.e - c.r.e.a.t.i.v.e

* Individual tax relief on broadband subscription fee up to RM500 a year from 2010 to 2012.

* Public-private collaborations to include an integrated immigration, customs and quarantine complex in Bukit Kayu Hitam, construction of six UiTM campuses and the development of MATRADE centre

* 1Malaysia Development Bhd (1MDB) will establish a corporate social responsibility fund totalling RM100 million as a start to finance community activities

* Government to allocate RM899 million to intensify tourism industry.

* Government to enhance tax incentives for healthcare service providers who offer services to foreign health tourists with income tax exemptions of 100 per cent on the value of increased exports from 50 per cent previously.

* Individual taxpayers to be given tax relief on broadband subscription fee up to RM500 a year from 2010 to 2012

* Civil servants are eligible to apply for computer loans once in every three years and up to a maximum of RM5,000 from the government once in every five years

* To provide RM70 million to build the Paya Peda Dam Project in Terengganu to increase water supply capacity to paddy irrigation scheme in Besut.

* Allocate RM82 million to modernise aquaculture industry and conduct entrepreneurship training scheme for aquaculture breeders with focus on production of fish fry and ornamental fish.

* “The stock market will be further liberalised to enhance its efficiency as well as attract domestic and foreign investment. For this purpose, the government will undertake the following measures: First, liberalise the commission sharing arrangements between stockbrokers and remisiers in 2 stages to encrouage retail participation in the stock market. The first stage, which takes effect immediately, allows flexible brokerage sharing at a minimum rate of 40 percent for remisiers. The commission sharing will be fully liberalised in the second stage, effective 1 January 2011.

* “Allow 100 per cent foreign equity participation in corporate finance and financial planning companies compared with the present requirement of at least 30 per cent local shareholding.

* “Islamic banking assets account for 18.8 per cent of Malaysia’s total banking assets while takaful industry assets contribute 7.7 per cent of total insurance and takaful industry assets. To ensure rapid development of financial services, particulalrly in Islmaic finance, the government proposes that the existing tax incentives be extended to 2015.

* “The government is currently at the final stage of completing the study on the implementation of goods and services tax (GST), particularly to identify the social impact of GST on the people. The purpose of this study is to ensure that if GST needs to be implemented to stabilised Government finance, it will not burden the population. “If the government implements GST, it will replace the current sales tax and service tax as well as exemption will be granted to the low income group. The GST rate to be imposed will be lower than the current sales tax and service tax rates.

* “The government needs to ensure that the Malaysian tax system is equitable and able to generate revenue for development purposes. In line with this, the government proposes that a tax of five per cent be imposed on gains from the disposal of real property from 1 January 2010.

* Effective Jan 1 2010, government agrees to allow agencies to retain 50 per cent of rentals received while the remaining 50 per cent will be remitted to the government as revenue.

* The Government will implement fuel subsidy management system in early 2010.

* The Government proposes the maximum income tax rate to be further reduced to 26 per cent from 27 per cent effective from the 2010 year of assessment.

* Maximum tax rate for cooperatives will be reduced to 26 per cent while the fixed tax rate for non-resident individuals will be cut to 26 per cent.

* Personal tax relief will be increased to RM9,000 from RM8,000 effective from the 2010 year of assessment.

* The Government also proposes income tax on employment income of Malaysians and foreign knowledge workers residing and working in Iskandar Malaysia be imposed at 15 per cent compared with the maximum 26 per cent for the rest of the country.

* Government to launch a scheme in January 2010 that enables EPF contributors to utilise current and future savings in Account 2 to promote house ownership.

* RM14.8 billion is allocated to manage, build and upgrade hospitals and clinics.

* The Government will issue 1Malaysia Sukuk totalling RM3 billion.

* The Government will establish the 1Malaysia Retirement Scheme to be administrated by EPF.

* Employees EPF contributions will be raised again to 11 per cent on a voluntary basis with immediate effect. However, from Jan 1, 2011 employees' EPF contribution will revert to 11 per cent.

* The Government proposes existing personal tax relief of RM6,000 for EPF contributions and life insurance premiums be raised to RM7,000.

* Government allocates RM2.3 billion to build and upgrade infrastructures in rural areas.

* Government provides RM41 million to improve income and quality of life of the Orang Asli Community by implementing various projects.

* Budget 2010 allocations totalled RM191.5 billion, of which RM138.3 billion is for operating expenditure and RM53.2 billion for development expenditure.

* Federal Government revenue in 2010 to decline by 8.4 per cent to RM148.8 billion.

* Budget deficit at 5.6 per cent of GDP compared with 7.4 per cent in 2009 .

Hand bouquet is almost a must in every wedding. There are various types of hand bouquet which i found through the net. Every people ade citarasa tersendiri. But watever design n color we go for, make sure it is well match to what we pun on the body! Baju persalinan and bunga tangan kena match, barulah nmpk lebey outstanding n attractive! For myself, i love bouquet with simple design. Simple but elegance.